The BPCL SBI Card is an entry-level fuel credit card that combines SBI Card's payment network with Bharat Petroleum's extensive fuel retail network. It is specifically designed for individuals who frequently refuel at BPCL petrol pumps and want to maximize savings on their fuel expenses.

• Card Network: Visa (with contactless payWave technology)
• Card Type: Co-branded fuel credit card
• Target Audience: Entry-level users, frequent BPCL fuel customers
• Annual Fee: Rs. 499 + GST (waived on Rs. 50,000 annual spend)
• Reward System: Points-based (4 Reward Points = Rs. 1)

The headline benefit is a 4.25% total value back on BPCL fuel purchases, one of the highest in the entry-level fuel card segment:

• 13X Reward Points: Earn 13 Reward Points per Rs. 100 spent on fuel at BPCL petrol pumps (3.25% value back)
• 1% Fuel Surcharge Waiver: On every BPCL transaction up to Rs. 4,000 (exclusive of GST)
• Maximum Fuel RP: 1,300 Reward Points per billing cycle (approximately Rs. 10,000 in fuel spend)
• Maximum Surcharge Waiver: Rs. 100 per billing cycle (equivalent to Rs. 1,200 annual savings)

Accelerated Rewards on Everyday Categories

Beyond fuel, the card rewards your everyday spending:

• 5X Reward Points on dining, departmental stores, grocery, and movies (5 RP per Rs. 100 = 1.25% value back)
• Capped at 5,000 Reward Points per month across these categories

Base Rewards

• 1 Reward Point per Rs. 100 on all other retail purchases (0.25% value back)
• Excludes: mobile wallet uploads, non-BPCL fuel spends, rent payments

Welcome Bonus

Receive 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of the joining fee, credited within 20 days. This effectively offsets the joining fee of Rs. 499.

Instant Redemption

Reward Points can be redeemed instantly at 1,200+ BPCL fuel outlets across India with no minimum redemption threshold.

Contactless Payments

The card features Visa payWave contactless technology for quick and secure tap-to-pay transactions.

• 2,000 Activation Bonus Reward Points worth Rs. 500 on payment of joining fee
• Points credited within 20 days of joining fee payment
• Can be redeemed instantly against fuel purchase at BPCL outlets or via the Shop n Smile rewards catalogue

Annual Fee Waiver

• Annual fee of Rs. 499 is waived when you spend Rs. 50,000 or more in the preceding anniversary year
• This is one of the lowest fee waiver thresholds among fuel credit cards

Annual Fuel Savings Potential

• Reward Points: Up to Rs. 3,900 per year (1,300 RP x 12 months x Rs. 0.25)
• Surcharge Waiver: Up to Rs. 1,200 per year (Rs. 100 x 12 months)
• Total Potential Savings: Up to Rs. 5,100 per year on fuel alone

The BPCL SBI Card does not offer complimentary airport lounge access, whether domestic or international. This is typical for entry-level fuel credit cards.

If airport lounge access is important to you, consider upgrading to the BPCL SBI Card OCTANE, which offers 4 complimentary domestic airport lounge visits per year.

The BPCL SBI Card uses a tiered reward point system with accelerated earnings on specific categories:

• BPCL Fuel: 13 Reward Points per Rs. 100 (3.25% value back) - max 1,300 RP/billing cycle
• Dining, Grocery, Departmental Stores, Movies: 5 Reward Points per Rs. 100 (1.25% value back) - max 5,000 RP/month
• All Other Retail: 1 Reward Point per Rs. 100 (0.25% value back)

Point Valuation

4 Reward Points = Rs. 1 (each point is worth Rs. 0.25). Reward points expire 24 months from the date of accumulation.

Redemption Options

• BPCL Fuel Outlets: Instant redemption at 1,200+ BPCL stations across India. No minimum threshold.
• BPCL Fuel E-Vouchers: Redeem via SBI Card app or website for BPCL fuel vouchers
• SBI Card Rewards Catalogue: Redeem for gift vouchers and products (Rs. 99 redemption fee applies)
• Statement Credit: Redeem against your card statement balance via customer care

Excluded Transactions

The following transactions do not earn reward points: mobile wallet uploads/recharges, non-BPCL fuel spends, rent payments, government transactions, EMI installments, and transactions where instant discounts or cashback offers are availed.

• Age: 21 to 65 years
• Residency: Indian citizen
• Employment: Salaried or self-employed with stable income
• Credit Score: CIBIL score of 700 or above recommended

Income Requirements

• Salaried: Minimum Rs. 20,000 per month (Rs. 2.4 lakh per annum)
• Self-Employed: Minimum Rs. 3 lakh per annum

As an entry-level card, the BPCL SBI Card has relatively accessible eligibility criteria compared to premium fuel cards like the BPCL SBI Card OCTANE.

• PAN Card
• Aadhaar Card
• Passport
• Voter ID
• Driving License

Address Proof (any one)

• Aadhaar Card
• Passport
• Utility Bill (not older than 3 months)
• Ration Card
• Bank Account Statement
• Property Registration Document

Income Proof

• Salaried: Latest 1-2 salary slips (not older than 3 months), Form 16, last 3 months bank statement
• Self-Employed: Latest ITR, business financial statements, bank statements for last 6 months

1. Visit the official SBI Card website at sbicard.com
2. Navigate to Credit Cards and select the BPCL SBI Card under Travel & Fuel
3. Click on Apply Now and fill in personal, employment, and financial details
4. Upload required documents (identity, address, and income proof)
5. Submit the application and track status online

Offline Application

1. Visit the nearest SBI Card branch or authorized sales point
2. Fill in the physical application form with all required details
3. Submit along with photocopies of required documents
4. Processing typically takes 7-10 working days

The BPCL SBI Card is a solid entry-level fuel credit card that delivers genuine value for users who regularly refuel at BPCL petrol pumps. With a combined 4.25% value back on BPCL fuel through accelerated reward points and surcharge waiver, it stands out as one of the best fuel cards in its price segment.

The card is particularly appealing because of its low annual fee of Rs. 499 that is easily waived with Rs. 50,000 annual spend, making it virtually free for most active users. The additional 5X rewards on dining, grocery, and movies further enhance its everyday utility.

However, this card is not suitable for users seeking premium benefits like lounge access, insurance coverage, or high rewards on non-fuel categories. If you need more from your fuel card, consider the BPCL SBI Card OCTANE with its higher 7.25% fuel value back and lounge access benefits.